Why do so many people want to deposit money in village banks?

Saving money is a habit of our life. If we don't have some deposits when we are in an emergency, it will become a very difficult thing, which leads everyone to hold that if something happens, then we must have some deposits, and we will deposit them in the bank.

Before that, all our savings were deposited in rural credit cooperatives and postal savings banks, especially in rural areas, because in rural areas, most of his banks only had rural credit cooperatives and postal savings banks, so they could only be deposited there. Once they became a habit, it was a bit difficult to change them.

1. Because most people think that deposit is a risk-free event. As long as you save money (not buy wealth management), all banks are the same in everyone's eyes. The six state-owned banks are no better than village banks, and at the same time the interest of village banks can be higher.

2. Because most people think that the country has the bottom of the bank accident. Bankruptcies and bankruptcies of global banks rarely happen in China. Even if they happen like contractor banks, the state finally takes care of them, giving people the illusion that the banking system is endorsed by the state, and even some people think that the bank's wealth management products are also safe (after all, all the previous explosions were high-yield P2P, and 3%-4% of bank wealth management looks quite safe)

3. Because some local depositors have to deposit their money. First, due to the location limitation of villages and towns, the outlets of the six major banks in villages and towns are not popular enough, and it may be necessary to go dozens of kilometers away, which is very inconvenient to save money; Second, the village bank has cooperative relations with many local units, and the salary card directly opens the village bank card. So everyone is too lazy to toss about changing banks, because see the first one above.